Elevations Visa Signature Application and Solicitation Disclosure

Elevations Credit Union's filed agreement for Elevations Visa Signature Application and Solicitation Disclosure 121824 discloses no annual fee.

On the face of the filing

Elevations Credit Union filed this agreement for Elevations Visa Signature Application and Solicitation Disclosure 121824 with the Consumer Financial Protection Bureau. It is issued on the Visa network and the filing runs three pages.

The filing is explicit about an annual fee line, a late payment maximum, a foreign transaction fee and a grace period. It is silent on a purchase rate, a cash advance rate and a balance transfer rate.

Parsing confidence here is medium, so treat the figures as indicative of the filing rather than a substitute for it.

What the card costs before you borrow

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Spending abroad costs an extra 3% — about $150 on $5,000 of purchases, independent of interest.

That is at the high end of this corpus — around the 91st percentile of disclosed foreign transaction fees.

Default pricing

$15 is the disclosed ceiling on a late payment fee, placing it near the 11th percentile of the set.

The grace period

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing.

What is outside the disclosure

This page cannot tell you a purchase rate, anything about cash advances, balance transfer terms and penalty pricing, because the filing's disclosure table as read does not contain them.

What this analysis can address is bounded by the filing: rates, fees and the terms around them. Everything a card issuer might advertise — rewards, benefits, bonuses, who qualifies — falls outside the document and outside this review.

Inside Elevations Credit Union's filed lineup

There are 4 filings from Elevations Credit Union in this index.

Reading the agreement yourself

The original filing, 3 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

Extraction confidence here is not high, so the conclusions above are provisional on the PDF agreeing with them.